What types of harms are compensated by the restitution?
A borrower will receive compensation above the minimum $100.00 restitution amount if he or she was issued a loan that contains one or more of the following categories of harm: (a) The borrower was issued a loan within 90 days of the contract date of a preceding loan; (b) The borrower was issued a loan with a loan-to-value ratio that was equal to or greater than 100.00%; (c) The borrower paid discount points and fees that were equal to or greater than 5.00% of the loan amount; (d) The borrower paid a prepayment penalty that was equal to or greater than 2.00% of the loan amount; (e) The borrower paid life and/or disability insurance premiums; (f) The borrower participated in the EZ Pay Plan; or (g) The borrower was issued a loan that refinanced a preceding loan and the issuance of such loan occurred within two years of the contract date of the preceding loan that was being refinanced; Q: How is the proportional restitution payment calculated? In addition to the $100.00 refund, a borrower
